Have any VSL users in the United States been successful with getting their VSL licenses insured against loss or theft?  I just recently purchased the Special Edition bundle and Dimension Strings, and the idea that I'd have to repurchase the whole thing if my key is lost or stolen makes me very nervous.  So far, I've been unsuccessful in finding an American insurance company willing to cover me.  Has anyone else had better luck?

Also, when you purchase insurance make sure you get a FULL REPLACEMENT VALUE policy. What that means is you insure your property for the retail value of your items and if they are destroyed the insurance company pays you the value you had them insured at.

If you don't have this kind of policy, they will pay you a depreciated amount for your destroyed items, which can be considerably less then what it will cost to buy replacements.

Your Digital orchestra is not a musical instrument as it is imaterial, I have not found yet an insurance in Europe that insure IMATERIAL things

Software is also imaterial, you should keep a copy elsewere as insurance will not cover it ;)

To judge an insurance you have to have a disaster to see how they re-embourse 

Hi Paul,

The license number on your dongle is unique, you cannot back it up on another dongle neither you can use it twice.

VSL will ask you to pay an amount per license number, from what I have understand VSL have to pay to Steinberg a fee per license number.

The legality of this has been discus many time in other thread.

> 1. Original poster asked about U.S.

I have read this, this is why I specify "Europe" ; from what I have heard there is no big differences between US and European insurances ! with banks they are both "des grands voleurs" ; do you say  "large robbers"  in English ???? ;) LOL

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> 2. Whatever humans use to play music is a musical instrument  

On the insurance side the answer is no, the insurances I have found so far will only re-embourse the dongle so only 50 euro, not the amount of Euro that VSL ask for you to pay to have another license number. The refund material not imaterial

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> 3. I have musical instrument insurance on my digital orchestra (covers outside the home, too)

you better double check this is writen in clear in the insurances policy

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> 4. They reimbursed for a top of the line Mac Pro back in 2008 after a theft.

this is normal, this is material

I am also interested to find an insurance, I have contact a few in France, and even in England and the answer is the same, "we insure material not imaterial" ; VSL licence number is IMATERIAL